Frequently Asked Questions

Everything you need to know before and after signing up for O'NA HealthCare™ coverage.

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How Do I Enroll in One of the Plans?

Simply apply online in our member portal at your convenience. You will be notified within 48 hours of approval to your application and plan amount. You may enroll at that time or speak to a Membership Advisor if you have additional questions.

How Is O’NA HealthCare™ Different From Other Healthcare Plans?

O’NA HealthCare™ offers a range of options in healthcare to its Members, including conventional, and holistic solutions. At O’NA HealthCare, we believe that your health is your choice. Our approach to health coverage that pays for numerous holistic approaches as well as pharmaceuticals, and we also emphasize wellness through oils, supplements, and holistic dental care. We offer easy, year-round enrollment as well. When you want all-encompassing, realistic health insurance with realistic costs for today’s healthcare markets, call us at 888-813-0646.

How Do I Obtain More Information For My Business?

You can learn more about our group plans here or call 888-813-0646. or email [email protected] to request a scheduled appointment.

Is The O’NA HealthCare™ Plan Available Nationally?

Available in all 50 States, except our plans are not available in the State of Maine. It is very attractive for companies offering plan coverage for employees residing in multiple states.

Does Some Plans Qualify For An HSA?

YES…Not only does it qualify, but we offer an HSA option that is convenient to enroll. An HSA provides additional tax benefits and we encourage you to take every tax advantage available to you.

Does O’NA HealthCare™ Plan Cover Pre-Existing Conditions?

On the Individual Plan, or Group Plans pre-existing conditions are covered.

Does The Plan Cover The Health And Wellness Treatments And Services That I Use?

Most likely. We cover conventional, complementary and alternative care including naturopathic, homeopathy, chiropractic, reiki, acupuncture, indigenous, Ayurveda, plus holistic dental care wellness.

Does The Plan Cover Preventative Care? Allergies? Physical Therapy? Durable Medical Equipment? Pregnancy?

Yes. All of these are included in our plan. Please refer to you benefits coverage for our coverage limits.

Does The Plan Include Prescribed Medications?

Yes. Prescribed medications are allowed toward your Maximum Out of Pocket. Please refer to you benefits coverage for our coverage limits.

Does The Plan Cover Dental?

Yes. As part of our wellness care, we have added coverage for conventional, and holistic dental care wellness with an annual $1000 maximum per individual.

Are Nutritional Supplements Covered On My O’NA HealthCare™ Plan And If So, How?

Nutritional Supplements are covered in your O’NA HealthCare™ Plan in the following two ways: 
You may deduct up to $750.00 per plan year per individual of your preferred nutritional supplements from your Maximum Out of Pocket. Please refer to you benefits coverage for our coverage limits. Not all nutritional supplements are of good quality and it is almost impossible without costly testing to demonstrate proof of efficacy. That said, taking a good quality (pharmaceutical manufacturing standards) broad spectrum multi-vitamin and a small selection of other, more specific supplements may be beneficial to your health. It is always better to speak with a professional healthcare specialist than to give in to marketing hype and attractive looking labels.

You will be covered for use of a Nutritional Supplements that is “prescribed/recommended” by a healthcare professional that is of high quality, medicinal grade, (pharmaceutical manufacturing standards) and medically necessary. O’NA HealthCare™, as with prescription drugs, may require you to purchase an equally efficacious supplement that is available at a lower price. O’NA HealthCare™ may have listings of suitable nutritional supplements good quality (pharmaceutical manufacturing standards) and online vendors to be able to save you even more money. In short, our goal is intended to provide a maintenance program for your health while which we also respect what is recommended by a healthcare professional in response to your specific health needs. Please refer to you benefits coverage for our coverage limits.

Do I Have To Be Native American To Join?

No! Anyone can apply for coverage with O’NA HealthCare™. We have in the past been associated with a Native American Nation.

What Exclusions Are There In Meeting My Maximum Out Of Pocket Costs?

Medically unnecessary, and non-covered or ineligible expenses found in the Plan Document.

Do Monthly Plan Payments Count Toward My Maximum Out Of Pocket Costs?

Similar to a traditional health insurance plan, monthly payments are the costs associated with your membership or policy and do not count toward your O’NA HealthCare™ Maximum Out of Pocket costs.

If Monthly Membership Costs Change, How Far In Advance Will I Be Notified?

Members will receive a minimum 30-day notice of any changes to the fee schedule.

Is Policy Renewal Guaranteed? What Event Would Cause O’NA HealthCare™ To Terminate My Coverage?

A Member will be removed from being entitled to receive coverage if they stop paying their monthly membership fees, do not adhere to the O’NA HealthCare™ Membership Agreement, improperly disclose appropriate medical information, or commit insurance fraud.

What Process Should I Go Through During A Medical Emergency?

Proceed immediately to the nearest medical facility. All emergency claims are to be submitted to O’NA HealthCare™. Medically necessary emergencies/admissions are covered. Hospitals and doctors will usually will accept our plans all over the country.

When a provider is not in our network and doesn’t have a contract to accept our fee schedule (allowed amount). we ask that you help us…help you. Thus before admission costs or emergency visits escalate out of reach let us know as soon as you are able of your visit. So before we pay help us reduce your portion Call us, email us . We can work with the Hospital and Doctors to create a temporary In-Network agreement to hopefully reduce your portion of the hospital stay.

How Am I Reimbursed When Something Happens?

You provide your O’NA Membership Card at time of service. Always call us or have your provider call/fax or secure email us so we can work with your provider to negotiate an allowed amount for the visit. We prefer to have the provider send their bill directly to us so that we can determine usual and customary costs for services. If a doctor is not part of our O’NA HealthCare™ in-network provider network, claims can be sent to O’NA via mail, 5739 KANAN ROAD Suite #335 AGOURA, CA 91301 or Faxed 1-805-375-6090 or sent through encrypted email to [email protected].
We send you and the provider a copy of the Explanation of Benefits showing payment responsibility. Once you receive your Explanation of Benefits you should pay your portion upon receipt if you have not met your Maximum Out of Pocket costs. If you have met your Maximum Out of Pocket costs for the year, O’NA HealthCare™ will pay your provider directly and your provider will bill you for your portion.

If I Need Treatment, Do I Need To Be Pre-Approved? What Happens If I Don’t Get Pre-Approval Or If It’s An Emergency Situation?

For most general treatments, you should contact 24/7 Teladoc first. They may refer you to a practitioner as appropriate. Pre-authorization for all inpatient and outpatient surgical procedures, any health screenings not per plan other than wellness care as outlined in the Plan Document is required, except in the case of an emergency.

Is My Personal Information Safe?

Yes. O’NA HealthCare™ subscribes to the safest practice of encryption and protection of your personal and medical information beginning with the submittal of your application on our secure website, to storing information on our secure servers. We meet all HIPAA rules and regulations.

How Does A Medical Practitioner Join O’NA HealthCare™ In-Network Provider’s Network?

Because O’NA HealthCare™ is committed to providing the quality of healthcare coverage, all Practitioners seeking to become part of the network should email [email protected]

Can Non-Traditional Families Be Covered?

Yes. We recognize blended and “non-traditional” families and cover them in the same way as so-called “traditional” family units.

If An Employee Leaves The Company Or Loses Their Job Can They Remain On The Plan?

Yes. This is a great benefit to employees. As an individual/Family plan they can also keep and transport their HSA.

Am I Covered When I Travel?

While anywhere in the US, you are always covered. Because allowed medical costs are based on approved US government standards, we are able to manage and negotiate expenses. Therefore, we highly recommend anyone traveling outside the country to consider travel insurance.

Can I Enroll Anytime, Or Only During Open Enrollment?

You can enroll any day of the year. There are no restrictions as to when you can begin receiving coverage from O’NA HealthCare™

Can I Start Coverage Anytime In The Month?

You may choose to start your coverage on the 1st or 15th of any month.

Can I Cover My Adult Child Or Young Children on my Plan?

Yes, until the age of 26.

I Have A Lower Deductible On My Current Plan, Why Is O’NA HealthCare™ A Better Option For Me?

We can’t guarantee that O’NA HealthCare™ will be the best choice for everyone but typically, the overall cost may be less expensive than that of a traditional health insurance plans. Having a O’NA Healthcare tm plan may give you another way to use your health care dollars, especially when combined with a Health Savings Account. Even if the cost is similar, you will still benefit from the freedom to choose and use the provider, treatment, and facility of your choice, including traditional allopathic and natural holistic alternative care.

Are Copays, Coinsurance And Deductibles Part Of The Coverage?

With our current plans there are no copays just patient portion and Maximum Out of Pocket (deductibles) costs are $5000 for an individual and $10,000 for a two-party or family. When an individual reaches or pays $5,000/$10,000 out of pocket, they only pay a portion of what is not covered by O’NA Healthcare (patient’s Portion). Each person is treated as an individual. Please refer to you benefits coverage for our coverage limits.

Will Hospitals/Doctors Accept This Plan? Do I Have Emergency Or Catastrophic Coverage?

Yes. Medically necessary emergencies/admissions are covered. Hospitals and doctors will usually will accept our plan all over the country. When a provider is not in our network and doesn’t have a contract to accept our fee schedule (allowed amount). we ask that you help us help you reduce your portion after we pay by letting us know as soon as you are able. We can work with the Hospital and Doctors to create a temporary In-Network agreement to hopefully reduce your portion of the hospital stay.

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